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Building a life with Freedom, Purpose and Peace of mind.

About Me

Hi, I’m Kunal Joshi.

With over two decades of experience in banking and nearly 20 years of living in the UAE, I’ve built a life grounded in financial discipline, purpose, and continuous growth. Based in Abu Dhabi, I’m deeply passionate about financial freedom — not just as a goal, but as a way of life.

Today, my focus is on supporting the Indian community, both in the UAE and across the globe, by sharing insights from my personal journey. Whether it’s making smarter financial decisions or building long-term clarity, I believe in adding value through real conversations and lived experience

My Journey to Financial Freedom

01

Rooted in Reality

Born to working parents in a middle-class Indian family, I grew up knowing the value of every rupee.
Money was never taken for granted — it was earned, saved, stretched, and often sacrificed. These early lessons shaped my deep respect for financial security, but like many of us, I didn’t grow up learning how to build wealth — just how to avoid losing it.

02

Dubai Dreams & Modest Beginnings

My 20s were spent navigating life in the Middle East — starting small in Bur Dubai, one rent cheque at a time.
I ticked all the typical NRI boxes:

  • Saved diligently
  • Bought a house in Bombay
  • Invested in gold
  • And of course… the classic Fixed Deposit (yes, that F-word).
    Safe? Sure. But exciting? Not really. I was earning, saving, but not really growing.

03

My 30s: A Wake-Up Call

Somewhere in my mid-30s, I realized the math wasn’t working. I was saving, but not beating inflation.
That was the turning point. I stopped treating money as something to protect, and started understanding how to make it work for me. I educated myself, connected with experts, and started investing intentionally — not just randomly. My financial journey truly began here.

04

Financial Freedom by 40

I entered my 40s not just with savings, but with freedom.

  • Freedom to choose how I spend my time.
  • Freedom to start my own venture.
  • Freedom to help others achieve the same.

Today, I help fellow NRIs build smart, goal-based portfolios — because I’ve lived the same questions they ask. And I know the peace of having the answers.

Contact

Have questions? Get in touch!

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    Let’s turn your hard-earned money into smart-working wealth.

    Copyright © 2025 Kunal Joshi. All rights reserved.